Glossary · Your money in the deal
In short
A revolving credit line secured by the equity in your home. You can use a HELOC to fund part of your equity injection for an SBA loan, provided it's properly documented.
You can use funds from a HELOC for your SBA loan equity injection, but the lender will require documentation. You'll need to show proof of funds (bank statements) and potentially disclose the HELOC as a personal liability on your Personal Financial Statement. Ensure the funds are 'seasoned' if possible, or fully disclosed.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
Figure out your down payment and equity injection
Tell us your purchase price and how you're funding the down payment — we'll sanity-check the equity injection and show what lenders will actually accept.
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